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按照加入WTO日程表 ,我国金融改革的步伐不断加快 ,保险监管机构所面临的挑战也不断升级。由于保险公司监管的内容与方式影响着所辖保险机构的经营决策 ,决定着整个保险行业的结构与功能 ,为了维持本国保险市场体系安全稳定地运行 ,保险监管机构与其所管理的保险公司面临相似的挑战。因此 ,构建一个科学、高效的监管体系 ,对控制保险行业健康发展、维护保险客户资金安全、提高市场效率 ,促进公平竞争有重大意义。本文从政府监管、保险机构内部控制和社会监督三个层面分析了我国保险监管体系建设问题
According to the schedule of accession to the WTO, the pace of China’s financial reform is accelerating and the challenges facing insurance regulatory agencies are also escalating. Because the contents and ways of the supervision of the insurance companies affect the operating decisions of the insurance institutions under their jurisdiction, which determines the structure and function of the entire insurance industry. In order to maintain the safe and stable operation of the insurance market in the country, the insurance regulatory agencies and the insurance companies they manage face similarities The challenge Therefore, to build a scientific and efficient regulatory system is of great significance to controlling the healthy development of the insurance industry, safeguarding the safety of client funds, improving market efficiency and promoting fair competition. This article analyzes the construction of China’s insurance regulatory system from three aspects: government regulation, internal control of insurance institutions and social supervision